Browsing by Author "MERVYN ANTONIO FRANCIS PEREIRA"

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    Adoption of Instant Mobile Payment Systems: A Study of Users and Non – Users in Salcete
    (DR. LORRAINE R. GOMES, 2026) MERVYN ANTONIO FRANCIS PEREIRA; MYRON GOMES; PERSIS SALLY LUIS; PRATIKSHA SHRIKANT BHATKANDE; SANCIA RODRIGUES
    The rapid growth of digital technology has transformed financial transactions in India, particularly through instant mobile payment systems such as UPI. This study examines the adoption of instant mobile payment systems among users and non-users in Salcete Taluka, Goa. The objective is to analyse awareness levels, usage patterns, demographic influences, and the key factors that encourage or discourage individuals from adopting digital payments. The study follows a descriptive and analytical research design. Primary data was collected through a structured online questionnaire from 363 respondents across different age groups, occupations, and educational backgrounds. Secondary data was gathered from journals, reports, and credible online sources. Statistical analysis was conducted using Jamovi and Microsoft Excel. The findings reveal a very high level of awareness, with a majority of respondents actively using mobile payment applications. Adoption is highest among the 18–35 age group, students, and employed individuals. Digital literacy and perceived safety strongly influence perceived usefulness and adoption. However, lack of digital skills, fear of fraud, and preference for cash continue to discourage some individuals, especially senior citizens and less digitally exposed groups. The study concludes that while instant mobile payment systems are widely accepted, improving digital literacy, strengthening security measures, and building user trust are essential for achieving broader and more inclusive adoption.